Shopping for financial products at M&S Financial Services UK website is just as simple as shopping for fashion or furniture at the Marks and Spencer online store. Here are just some of the financial products which can be purchased via the M&S Financial Services website:

• M&S Insurance: M&S Car Insurance, M&S Household Insurance, M&S Life Insurance, M&S Wedding Insurance, M&S Pet Insurance, M&S Travel Insurance
• M&S Credit Cards: M&S Credit Card, M&S Premium Club Card
• M&S Loans: M&S Car Buying Plan, M&S Personal Loans
• M&S Money: M&S Travel Money for your trips abroad
• M&S Savings: M&S Everyday Savings Account, M&S Fixed Rate Savings, M&S Stocks & Shares ISA, M&S Cash ISA, M&S Unit Trust

Of course, many of these types of product can be purchased elsewhere too; however, once you begin to take a closer look at the products from Marks & Spenser, it's easy to see that these are good financial products, at value-for-money prices.

And, just as importantly, contacting M&S Financial Services in the event of a query, or an insurance claim, is as easy as picking up the phone, or visiting the M&S Financial Services website.

M&S Financial Services offers a variety of financial and insurance products, but Car Insurance is something that almost everyone needs - at least if you own a car. Unfortunately there are so many companies offering Car Insurance today that, after a while, one policy may begin to look much like the next.

Thinking that most Car Insurance policies are much the same is usually a bad idea. At worst it can be a very expensive mistake - this is when you find out that your Car Insurance policy doesn't actually cover you for what you thought it did, or it takes your Car Insurance company months and months to argue over whether to pay you or not. Fortunately M&S Financial Services Car Insurance is not like that at all, and when you compare M&S Car Insurance to the competition then it stacks up quite nicely.

For example, here are just some of the options which come as standard with Marks & Spencers 5 Star Premier cover Car Insurance (correct at May 2009), which are quite often not included with comparable Car Insurance plans from companies such as Direct Line, Sainsburys, or Tesco Direct:

• Personal UK and European Breakdown Cover automatically included
• Comprehensive cover for trips abroad in the European Union - up to 90 days per trip
• Courtesy car during approved repairs automatically included
• Cover for Motor Legal Protection automatically included

So, it is clear that, besides being good value, M&S Car Insurance also provides much more extensive cover than some of the top competitors. Additionally, you don't even need to be behind the wheel to benefit from M&S Financial Services UK and European Breakdown Cover, since it covers you as a passenger too.

Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks&Spencer are so useful. M&S Financial Services financial products are, of course, designed to make Marks & Spenser a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Household Insurance policies. Usually, UK Household Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Financial Services Household Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Financial Services Household Insurance than you will anywhere else, and you may even pay less with M&S.

Winita Shoe Jewellery Holder, at MarksandSpencer
Shoe design Multiple hooks and hoops Padded ring holder H9"

Pure Cotton Short Sleeve Cars Lightning McQueen T-Shirt, at MarksandSpencer
Fans of Cars will love this short sleeve cotton t-shirt featuring Lightning McQueen. A practical, easycare style

Flock Leaf Pencil Pleat Curtains, at Mark's & Spencer
Manufacturer: Marks & Spencer

Per Una 3/4 Sleeve Shimmer Dolly Cardigan, at Marks and Spencers
A shimmering 3/4 sleeve cardigan in a soft knitted fabric featuring a decorative button

Cap Sleeve Floral Embroidered Jersey Top, at M&S
This fab cap sleeve top features a stunning floral embroidery. A sophisticated new look, perfect for this season

Big & Tall Flat Front Pindot Trousers with Wool, at Marks and Spencer
Smart and stylish, these trousers are made from a hardwearing wool blend with stretch. An ideal choice for work or everyday wear. Perfectly proportioned for big and tall men

Fraser Large 2-Seater Sofa, at Mark & Spencers
H99 x W209 x D102cm Seat H48cm, arm H66cm, top back rail H77cm (all dimensions are approximate) Seat cushions filled with shape-retaining foam - superior quality foam with a high density for added comfort and support Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Fabric options feature reversible cushions Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a medium finish All of our fabrics are treated with Stain-Defence™ - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 0845 603 1 603 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams that fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Younger Boys' Knitted Beanie Hat, at Marks & Spensers
Warm and comfy, this knitted beanie hat is ideal for chilly days

3/4 Sleeve Brushed Stripe Top, at Marks & Spenser
This fashionable soft top features stylish stripe design for a fresh modern look

Single Breasted Front Pocket Jacket, at Marks & Spensers
Fashionable and modern, this single breasted jacket features flap front pockets. A smart and stylish choice

Formal Square Buckle Leather Belt, at Marks & Spencer
With a versatile design perfectly suited for special occasions and everyday office wear, this sleek belt is sure to become a staple part of your formal wardrobe

Girls' Fashion Schoolwear - Stain Defence™ Non-Iron Embroidered Skirt, at M&S
This innovative non-iron skirt is treated with Stain Defence™ technology which helps repel everyday stains. The adjustable waist gives a perfectly comfortable fit for longer

Zip fastening Washbag, at Marks & Spenser
Stylish and practical, this washbag is a well designed travel essential

De Saint Gall Champagne Premier Cru Brut - Case of 6, at Marks & Spenser
Style: Dry Grape variety: Pinot Noir & Chardonnay Country of origin: France Closure: Natural cork Suitable for vegetarians Bottle: 6 x 75cl. Alcohol by volume: 12% vol. Alcohol units per bottle: 9 Alcohol units per 125ml: 1.5 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

XBOX 360® Premium Bundle, at Marks and Spencer
Includes Project Gotham Racing 3 and XBOX Live Arcade Unplugged 20GB hard drive Wireless controller Headset voice communicator 1 month free XBOX Live Gold subscription Component HD AV cable Video Camera Ready Memory unit support starting at 64 MB Supports 4 wireless game controllers Multichannel surround sound output HD digital and standard audio visual outputs Built in ethernet port Wi-Fi ready 3 USB slots Removable faceplate M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information

Floral Sketch Mum 60th Birthday Card, at Marks & Spencer
Cover text: Mum, 60 Today Inside message: Have a lovely birthday This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 175 x 126mm

M&S 900W Combi Microwave, Convection Oven & Grill, at Marks and Spenser
25-litre interior capacity 10 variable power levels, including defrost 900W microwave power output, 1200W grill, 2000W fan-assisted convection oven Heating category E (MAFF rating for cooking time) Stainless steel cavity with mirrored front Dimensions: H31 x W51 x D44cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information, Manufacturer: Marks & Spencer

125 Years Pure Cotton Twill Check Shirt, at Marks and Spencer
Part of the Commemorative Collection, celebrating 125 years of M&S. Featuring smart styles inspired by our archives

Autograph Essentials Cowl Neck Jumper with Merino Wool, at Mark & Spencers
A touch of fine merino wool adds softness and warmth to this pretty cowl neck jumper

The Cotton Collection Cotton Bud Hand Cream, at Marks & Spencers
Moisturising hand cream 250ml bottle with pump

3 Pairs Of 40 Denier Opaque Ankle High Socks, at M+S
These essential 40 denier opaque ankle high socks are outstanding value. They're made with added stretch for comfort and durability

Wool Blend Contrast Stripe Tie, at Marks & Spencers
Add a smart finishing touch with this hardwearing contrast sripe wool mix tie

Blue Harbour Pure Cotton Straight Leg Jeans, at Marks & Spensers
Offering that perfect fit at a great value price, these great straight legs are an essential part of any casual wardrobe. Perfect with a T-shirt and trainers, you can dress them up with a long sleeve shirt for a smarter, but laid-back, appearance

Single Breasted Multi Button Jacket, at Mark's & Spencer
Chic and stylish, this multi button jacket is tailored to fit and flatter. A great choice for work or smart occasions and it's machine washable for added convenience

Firm Control Lace Trim Body, at M&S
Providing essential support in all the right places. Smooth and sculpt your figure with the firm control incorporated into the design of this easy to wear body

Athenian Column Table Lamp, at M & S
Antique brass finish Parchment style shade Column detail stem Square base Resin base H57 x Diam 23cm Bulb: 60W BC GLS This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Panasonic 32'' TX-L32S10 Full HD LCD TV, at Marks and Spencers
HD Ready: This TV is able to display sharper, clearer and more vibrant High Definition images when connected to an HD compatible device Display: 32 inch plasma screen, 2,073,600 (1,920 x 1,080) pixels Contrast Ratio: Dynamic Contrast 50,000:1 Dimensions: W79.8 x H55.1 x D21.7cm (with stand), W79.8 x H51.1 x D9.3cm (without stand) Weight: 13kg (with stand) V-Audio: Unique sound technology that delivers crystal-clear sound with superior bass performance Connectors: 3 HDMI, 2 Scart, Composite video input, S-video input, Audio Input, Component video input, Mini-D sub, Digital audio output, Headphone jack VIERA Superior Picture Quality: The VIERA system provides richly expressed images with enhanced contrast and deeper natural colours Intelligent Frame Creation With 24p Playback: With 50Hz video signal input, the Intelligent Frame Creation achieves high moving picture resolution even in fast-motion scenes. 24p Playback creates high speed playback of images to recreate the full cinematic experience VIERA Link: Enables you to control all your Panasonic AV systems with only one remote Use wall mount T042104 to perfectly mount this TV, Manufacturer: Marks & Spencer

Per Una Notched Leather Belt, at Marks & Spenser
A patent finish makes this fashionable belt even more special. Add a stylish finishing touch from Per Una

M&S Home Office Suite with Anti-Virus Software, at Mark & Spensers
Pack includes: Word processor Spreadsheets Presentation Database Draw photo album Anti-virus security package This product is not available for international delivery. Find out more M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information

Bear Collection - Cuddle Robe with Mitt, at Marks & Spencer
75 x 75cm Contrast trim Pure cotton Embroidered bear design, Manufacturer: Marks & Spencer

Besides M+S Car Insurance, M&S Financial Services Credit Cards and other financial products, M&S Financial Services Household Insurance deserves particular mention, with it being particularly good value for money, and providing extra insurance cover that many UK insurance companies either don't provide at all, or would charge extra for.

With M&S Financial Services Premier Contents policy, for example, student's belongings are not only covered at home, but also at college or university. Additionally, dependent relatives are also covered if their belongings happen to be in a nursing home. Even better still, your Marks n Spencer purchases are also protected while you take them home.

Also, on both M&S Financial Services Premier Household Insurance and Standard Household Insurance policies, you can choose to include Contents Away From Home. This option would then provide valuable cover all of your personal belongings on a worldwide basis.